Trupanion pets lead longer happier lives.1 Pets insured with Trupanion lived longer than pets without Trupanion because pet parents didn’t have to worry about the cost of the care their pet needed. Depending on the plan Trupanion covers up to 90% of eligible expenses, has unlimited payouts-always, and can pay your vet bill, within seconds, at time of checkout, so all you pay is your portion (anything not covered by Trupanion). They have transformed the way pet insurance handles claims by eliminating the reimbursement process.
Trupanion was founded in Canada and provides bets-in-class coverage and is dedicated to helping pets we love get the care they need. They’ve been around for more than 20 years, making them experts and setting standards for the industry. One perk of this, and what they pride themselves on, is the amount they pay out to pet owners for each claim. Paying out more on the dollar than any other pet insurance provider. To date they have paid out $2 Billion in claims and have insured nearly 1 million pets.
To put it simply, there is a reason why 98.7% of Trupanion members stay enrolled every month.
1Based on a December, 2020 Trupanion study analyzing third party hospital claims data comparing pets insured with a Trupanion policy to pets without a Trupanion policy.
*Terms and conditions apply. Please view your sample policy for complete coverage details.
Underwritten in Canada by Omega General Insurance Company and in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Administered in Canada by Canada Pet Health Insurance Services, Inc. dba trupanion and in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Please visit AmericanPetInsurance.com to review all available pet health insurance products.
Great customer service. I would strongly recommend to anyone looking for pet insurance. I had Trupanion on my little guy just three weeks after I got him. He is a pekingese male and had a back problem. I am just glad I had the insurance.
5
out of 5
POSTED:
| BY: Gina
Peace of mind and a FIGHTING CHANCE!
After watching my best (human) friend fight emotionally and financially to save her sweet, uninsured 3-year-old corgi who we all loved so much, I knew that as a single parent I would be devastated if that ever happened to my dog. Scooter, my corgi cross, was almost 4 yrs old when I decided to enroll him. He was healthy, happy, and amazing. He was also my ring bearer in our weeding last year--he is truly a part of our family. He's now 5 1/2. About 3 weeks ago, Scooter's health suddenly changed overnight, and it was terrifying. A week later, our worst fears were confirmed: a histiocytic sarcoma in his head. With the peace of mind of having Trupanion, we were able to take him to UC Davis Veterinarians, and their team of neurosurgeons saved him. Trupanion worked quickly with us so that we could focus on our buddy! They have been so kind, "tru" to their word, and we will never spend a day without their pet insurance for our dogs (today and those in our future) as long as WE live! We cannot thank them enough. They've helped us give Scooter a fighting chance. He is currently cancer and tumor free (though awaiting chemo), fetching, taking walks, and begging for bacon barely a week and a half after surgery. His scar is quite impressive--just in time for Halloween :) We have our best friend back, one day at a time, and we couldn't have done this without Trupanion. We have literally told everyone who will listen--even total strangers in the vet hospital! GET THIS FOR YOUR PRECIOUS PETS! No point in shopping elsewhere. They are simply the best, and they will share your sense of urgency. Love them!
5
out of 5
POSTED:
| BY: Barbara
Prompt Service
Happy that your now covering alternative treatments.
5
out of 5
POSTED:
| BY: j
Help is at Hand
We cannot imagine how we would have managed without the sensitive caring staff of Trupanion as our dog journeys his way back to health. Honest, caring, effective- efficient- this company has helped us help Griff get the care he needs. There are no horror stories here- for the past 8 years, Trupanion has honoured claim after claim- Accidents and illness can come out of nowhere- with Trupanion- I believe they really do care as much as we do that animals get the best care they can. Lucky lucky us.
1
out of 5
POSTED:
| BY: Tim
Trupanion Guilty of Fraud
I took my dog to the vet for a torn right front dew claw on 2/13/15. The total charge was $263. I did not meet the $500 deductible but was told by the claims adjuster that this amount would count toward the deductible on any future injuries to the dew claw. I took my dog back to the vet on 9/30/15 for an infection of this very same dew claw that had grown back. The charge from the vet was $231.42 This time Trupanion claimed that it was a "new incident" and that the previous deductible could not be applied to this incident. My vet was very disturbed by this and encouraged me to appeal the claim. They rejected the appeal and stated the following "While the current claim is for a torn dewclaw on the same foot and nail that was affected on 2/13/2015, there is no medical basis on which to systemically relate the current claim to the same underlying etiology. It appears the incidents are consistent with separate and unrelated traumas as there were no further abnormalities noted with the torn dewclaw after treatment in February 2015." WTF? If this isn't insurance fraud, I don't know what is! I am appealing this to the State Dept of Insurance. My vet has said that she will testify on my behalf that they are guilty of egregious fraud.
Monthly cost varies due to multiple factors including: species, breed, age at enrollment, gender, and postal code.
Coverage
One simple plan covers new injuries and illnesses, hereditary, congenital, and chronic conditions—once the deductible is met, Trupanion pays 90% of the remaining invoice.
To view a full list of inclusions and exclusions, check out our sample policy here.
Payout Limits
Unlimited lifetime payouts on eligible conditions with no payout limits-ever.
Deductible
You can choose your deductible from $0 – $1000, in $5 increments, to fit your budget.
Trupanion offers a lifetime, per condition deductible meaning that once the deductible is met for an eligible condition, you never have to meet it again. That condition is covered for life. This is great for chronic conditions that can span the entirety of a pet’s life such as allergies or cancer.
Age Limits
All pets under 14 years old can enroll.
Once enrolled, pets stay insured regardless of age.
Waiting Period
Accidents: 5 days
Illnesses: 30 days
Other providers may have additional waiting periods for congenital conditions like hip dysplasia, Trupanion does not.
Exclusions
Trupanion was developed to protect you and your pet from unexpected illnesses and injuries. That means we don’t cover “predictable” care costs that you can plan ahead for, like:
Examination fees
Wellness and preventive care
Elective, or cosmetic procedures
Sales tax, where applicable
Like all pet insurance providers, Trupanion does not cover pre-existing conditions. Whichever insurer you choose, it pays to enroll early!
*Terms and conditions apply. Please view your sample policy for complete coverage details.
Trupanion was founded in 2000 with the goal to help pet owners plan for the unexpected and take the cost out of the care equation. They believe that the pets—and the veterinary professionals who help them—deserve better. That’s why Trupanion is a proud member of the North American Pet Health Insurance Association.
Our members know we’re ahead of the pack, because there’s pet insurance—then there’s Trupanion:
24/7/365 Member Support—yes, even on holidays
20+ years of experience
$2 Billion paid in claims
Over 800,000 pets protected
Unlimited Payouts
The only provider that can pay your veterinarian directly at checkout*
Accepted everywhere in the USA, Canada, Puerto Rico, and Australia
* At participating hospitals
Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company and in Canada by Omega General Insurance Company
